Hello, all. First, a little background: Credit scores were all in the 500s just a year ago......last month I was finally up to 737 TU, 663, EX, 660 EQ. I'm 33 years old, and have a credit history that dates back to before college, which is where most of my 'baddies' occured. I've gotten most lates removed, but a few older chargeoffs remain. My Utilization is under 10% currently, and I have a total available credit of around 30K. B/c I haven't been able to get approved for a credit card in FOREVER, I applied for a few 'just to see'........and I was approved for both the Chase SW 50K Bonus & The USAir 40K bonus. Of course, this excited me, and since I've spend the past month reading hours per day reading these forums, FT, and the host of other blogs out there. I'm eager to start my first official churn, but worry I'm not quite there yet as far as my credit is concerned. Advice on whether to start slow and apply for a few, or wait until my credit has gone up even more? And if not an actual churn, maybe a worthwhile card or two with good Sign-up bonus that I could start with and likely be approved for to keep building my credit in the meantime?